Consolidated Statements of Cash Flows - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income (Loss)	$ 1,014,000	$ 1,684,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Net amortization of investment securities	18,000	14,000
Net amortization of deferred loan costs	124,000	141,000
(Credit) provision for credit losses	(352,000)	(625,000)
Recovery on previously impaired investment securities		(2,000)
Unrealized gain on equity securities	(11,000)	(1,000)
Unrealized loss on interest rate swap		49,000
Depreciation and amortization of premises and equipment	194,000	195,000
Deferred income tax expense	73,000
Increase in cash surrender value of bank-owned life insurance	(215,000)	(105,000)
ESOP shares committed to be released	23,000	22,000
Stock based compensation expense	15,000	(49,000)
(Increase) in accrued interest receivable	(148,000)	(36,000)
(Increase) decrease in other assets	(141,000)	409,000
Impairment of foreclosed real estate	8,000
Decrease in other liabilities	(634,000)	(279,000)
Net Cash (Used In) Provided by Operating Activities	(32,000)	1,417,000
CASH FLOWS FROM INVESTING ACTIVITIES
Activity in debt securities: Maturities, prepayments and calls	743,000	871,000
Purchases of Federal Home Loan Bank Stock		(1,248,000)
Redemptions of Federal Home Loan Bank Stock	450,000	1,080,000
Loan principal collections and origination, net	601,000	(728,000)
Proceeds from surrender of bank-owned life insurance	6,585,000
Proceeds from sale of foreclosed real estate	37,000
Additions to premises and equipment	(5,000)	(146,000)
Net Cash Provided by (Used in) Investing Activities	8,411,000	(171,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	3,780,000	25,088,000
Net decrease in advances from borrowers for taxes and insurance	(897,000)	(888,000)
Net decrease in short-term borrowings		(10,566,000)
Proceeds from issuance of long-term debt		15,250,000
Repayment of long-term debt	(10,000,000)	(950,000)
Repayment of finance lease obligations	(22,000)	(18,000)
Shares of common stock repurchased on vesting for payroll taxes	(17,000)	(56,000)
Net Cash (Used in) Provided by Financing Activities	(7,156,000)	27,860,000
Net Increase (Decrease) in Cash and Cash Equivalents	1,223,000	29,106,000
CASH AND CASH EQUIVALENTS - BEGINNING	53,730,000	9,633,000
CASH AND CASH EQUIVALENTS - ENDING	54,953,000	38,739,000
SUPPLEMENTARY CASH FLOWS INFORMATION
Interest paid	3,979,000	1,489,000
SUPPLEMENTARY SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES
Unrealized (loss) gain on securities available for sale	$ (1,009,000)	$ 1,589,000